ANSWER: The good news is that all student loans can be forgiven, whether federal or private. If you haven’t already, take our 60-second undue hardship quiz. The more boxes you can honestly check, the more likely your bankruptcy judge is to forgive

QUESTION: What is the undue hardship exception? ANSWER: Undue hardship is what you must prove in order to forgive your student loans. Undue hardship involves three things. First, you must have no money left over each month to repay your student loans. Second,

QUESTION: Should I apply for income based repayment plans? ANSWER: Yes, always apply every year for each loan you have. Income based repayment plans allow you to pay what you can afford on your student loans. To greatly improve your